USA contactless credit/debit/transit (2014-2016)
Apr 15, 2015, 1:12 pm
#1171
Join Date: Oct 2014
Programs: Skymiles
Posts: 3,251
That's the thing though--in my limited domestic EMV restaurant experience tip was still possible after the fact, even with PIN. Changing to a pay at the counter model also has its own costs, including possible renovation work if the restaurant was never built to support it.
Also, considering that Apple Pay brought contactless back from the dead in the US I think it's more likely that pay at the table will happen now, but I don't really know by how much. Before Apple announced it, I was even thinking that restaurants would just have wired EMV terminals that had PIN disabled altogether. It's still early so we'll see what happens.
Also, considering that Apple Pay brought contactless back from the dead in the US I think it's more likely that pay at the table will happen now, but I don't really know by how much. Before Apple announced it, I was even thinking that restaurants would just have wired EMV terminals that had PIN disabled altogether. It's still early so we'll see what happens.
Apr 15, 2015, 1:17 pm
#1172
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
Do we know how much these handheld portable terminals cost to purchase? A medium-large tablet would probably be a lot easier. Assuming the tables are inside, the server could discreetly disappear for a minute or two while the cardholder transacts, worst case scenario is leaving the tablet behind on the table. Or, if the credit card is authorized before the server walks away, and the tablet goes missing, they know who to charge for it (and info for the cops perhaps).
Apr 15, 2015, 2:36 pm
#1173
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,523
Apr 15, 2015, 2:39 pm
#1174
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,523
Apr 15, 2015, 2:47 pm
#1175
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
Tried out the Wells Fargo Visa EMV card with contactless in London last week on the TFL Underground (Tube).
Red lights for both my card and my companions cards. Multiple tries. People behind us were not amused.
Wonder if the Wells Card has MSE rather than EMV contactless. I tried asking Wells about this prior to the trip, but customer service was clueless.
Will report on Amex separately.
jb
Red lights for both my card and my companions cards. Multiple tries. People behind us were not amused.
Wonder if the Wells Card has MSE rather than EMV contactless. I tried asking Wells about this prior to the trip, but customer service was clueless.
Will report on Amex separately.
jb
Apr 15, 2015, 7:00 pm
#1176
Join Date: Jan 2005
Location: If only I knew
Programs: Several of my own making in which I was recently fast-tracked to super-duper-ber-elite status
Posts: 1,074
ApplePay/Contactless on London Tube and DCC question
Just to summarize what people have been reporting and to make sure I understand about using contactless on the London tube (heading there next week):
Applepay w/ a MC works (even if the MC does not support contactless or if a contactless MC itself does not work).
Applepay w/ a Visa d/n work?
MC/Visa contactless may or may not work, depending on the card itself.
Another question for those that have used applepay as a contactless transaction outside the US, have you encountered any issues w/ vendors applying DCC without your approval/knowledge?
Thanks to everyone for reporting their experiences.
Applepay w/ a MC works (even if the MC does not support contactless or if a contactless MC itself does not work).
Applepay w/ a Visa d/n work?
MC/Visa contactless may or may not work, depending on the card itself.
Another question for those that have used applepay as a contactless transaction outside the US, have you encountered any issues w/ vendors applying DCC without your approval/knowledge?
Thanks to everyone for reporting their experiences.
Apr 15, 2015, 7:58 pm
#1177
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
Just to summarize what people have been reporting and to make sure I understand about using contactless on the London tube (heading there next week):
Applepay w/ a MC works (even if the MC does not support contactless or if a contactless MC itself does not work).
Applepay w/ a Visa d/n work?
MC/Visa contactless may or may not work, depending on the card itself.
Another question for those that have used applepay as a contactless transaction outside the US, have you encountered any issues w/ vendors applying DCC without your approval/knowledge?
Thanks to everyone for reporting their experiences.
Applepay w/ a MC works (even if the MC does not support contactless or if a contactless MC itself does not work).
Applepay w/ a Visa d/n work?
MC/Visa contactless may or may not work, depending on the card itself.
Another question for those that have used applepay as a contactless transaction outside the US, have you encountered any issues w/ vendors applying DCC without your approval/knowledge?
Thanks to everyone for reporting their experiences.
Apr 15, 2015, 8:35 pm
#1178
Join Date: Mar 2012
Location: MCO
Programs: B6, DL, UA, AGR
Posts: 69
Any recommendations on an ApplePay supporting, no FTF, no annual fee, MasterCard to get?
Apr 15, 2015, 8:43 pm
#1179
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Apr 15, 2015, 9:50 pm
#1181
Join Date: Jan 2005
Location: If only I knew
Programs: Several of my own making in which I was recently fast-tracked to super-duper-ber-elite status
Posts: 1,074
Dcc can't be applied on contactless transactions because apart from in the U.S. The transaction amount has to be presented to the card or device and the card or device gives an approval response (either authorise offline or authorise with bank). The card/device will have been removed before the terminal could check a DCC rate.
USAA MC has a 1% FTF w/ a 1% cashback reward, so effectively zero. No AF, but you need to have a military connection. Sounds like the Barclays might be the way to go.
Apr 15, 2015, 11:17 pm
#1182
Join Date: Nov 2012
Posts: 3,537
The HSBC card is not "difficult" to get, just a bit irritating. That said, he asked for a card that supports Apple Pay, which the HSBC card does not. It has built-in contactless, which I prefer. No Apple Pay, however.
Apr 15, 2015, 11:29 pm
#1183
Join Date: Jan 2014
Location: The UK
Posts: 154
The US HSBC MC does work on the Tube. 
Apr 15, 2015, 11:33 pm
#1184
Join Date: Nov 2012
Posts: 3,537
There are contactless small-purchase incentives in Europe. In order to build social acceptability and acceptance of using bank cards for small-ticket items, merchants have a strong incentive to run these contactless.
Apr 15, 2015, 11:36 pm
#1185
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
Someone pointed out that if you use Apple Pay, you won't benefit from the daily cap as you would with an Oyster or a contactless card.